# Blog ### Welcome to our Personal Finance Blog ![Pic of Senior Advisor Drew Browne](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/ceo-drew-browne-round.webp) Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it. These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private. - Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children. Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. **The most difficult of questions are those with both economic and emotional answers**. At Sapience, we're all about **The How**. Our educational **Personal Finance Blog** is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction. ### Explore Our Blog by Speciality Select a speciality below to view our curated specialist insights and practical strategies. [🧠 Evolutionary Finance](https://mail.finallysorted.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://mail.finallysorted.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://mail.finallysorted.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://mail.finallysorted.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://mail.finallysorted.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://mail.finallysorted.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://mail.finallysorted.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://mail.finallysorted.com.au/insights/sapience-general-archive) ![Not made by AI sapience financial](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/not-made-by-AI-sapience-financial-black.webp) --- [ ![Japanese art of Kintsugi repairing the most precious of broken items with gold](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/intro-kintsugi-book-research-participant-call-sapience-financial.webp) ](https://mail.finallysorted.com.au/book-research-participant-call "Share Your Story (Anonymously)")## [ Share Your Story (Anonymously) ](https://mail.finallysorted.com.au/book-research-participant-call) The No Will Research Project Have you lived through the chaos of a loved one dying without a Will? ### Silence Doesn’t Fix the Chaos ... But Your Story Might. Turn your experience into a survival guide for other Australian families. I am writing the book, Life's Great Conversations to help cure a silent epidemic I call 'Atestacy'—simply, the state of living without a plan. - [ modern estate planning ](https://mail.finallysorted.com.au/all-tags/modern-estate-planning) - [ ⚖️ Estate Law & Succession Planning ](https://mail.finallysorted.com.au/insights/estate-law-succession) [ Read more … ](https://mail.finallysorted.com.au/book-research-participant-call) [ ![Kitchen plastic container organisational bliss](https://sapience.com.au/images/blog/intro-art-of-productive-panic-sapience-financial.jpg) ](https://mail.finallysorted.com.au/blog/the-art-of-productive-panic "The Art of Productive Panic")## [ The Art of Productive Panic ](https://mail.finallysorted.com.au/blog/the-art-of-productive-panic) --- ### Or Why Your Tupperware Cupboard is Suddenly Immaculate It's that strange time of year. The relatives have gone home. The ham is finally finished. And you are standing in your kitchen at 11 am, staring at the floor. You have mopped and vacuumed it three times. You have scrubbed the grout. If a forensic team from a crime lab swept your lounge room right now, they wouldn’t be able to prove you even owned a dog. - [ modern estate planning ](https://mail.finallysorted.com.au/all-tags/modern-estate-planning) - [ Success Mindsets ](https://mail.finallysorted.com.au/all-tags/success-mindsets) - [ 🧠 Evolutionary Finance ](https://mail.finallysorted.com.au/insights/evolutionary-finance) [ Read more … ](https://mail.finallysorted.com.au/blog/the-art-of-productive-panic) [ ![A stand of seven freshly baked homemade cookies](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/intro-why-your-brain-would-rather-eat-a-cookie-than-sign-your-will-and-why-thats-actually-fine-sapience-financial.webp) ](https://mail.finallysorted.com.au/blog/why-your-brain-would-rather-eat-a-cookie-than-sign-your-will-and-why-thats-actually-fine "Why Your Brain Would Rather Eat a Cookie Than Sign Your Will (And Why That’s Actually Fine)")## [ Why Your Brain Would Rather Eat a Cookie Than Sign Your Will (And Why That’s Actually Fine) ](https://mail.finallysorted.com.au/blog/why-your-brain-would-rather-eat-a-cookie-than-sign-your-will-and-why-thats-actually-fine) - ![](https://sapience.com.au/images/LGC/stamps/lgc-archive-logo-02.svg) --- ### You Aren't Lazy. You're Just Metabolically Expensive. Here’s the Fix. If you spend any time on the internet, you have likely been yelled at by a man with unusually white teeth standing in front of a rented Lamborghini. He probably told you the secret to success is 'The Grind.' He told you to wake up at 4:00 AM, take an ice bath, meditate for an hour, and then crush your goals through the sheer force of your iron will! - [ Success Mindsets ](https://mail.finallysorted.com.au/all-tags/success-mindsets) - [ 🧠 Evolutionary Finance ](https://mail.finallysorted.com.au/insights/evolutionary-finance) [ Read more … ](https://mail.finallysorted.com.au/blog/why-your-brain-would-rather-eat-a-cookie-than-sign-your-will-and-why-thats-actually-fine) [ ![Ebenezer Scrooge and the Spirit of Unfinished Business ](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/intro-the-ghost-of-business-future-and-why-we-get-ebenezer-scrooge-wrong-sapience-financial.webp) ](https://mail.finallysorted.com.au/blog/the-ghost-of-business-future-and-why-we-get-ebenezer-scrooge-wrong "The Ghost of Business Future (Why We Get Ebenezer Scrooge Wrong)")## [ The Ghost of Business Future (Why We Get Ebenezer Scrooge Wrong) ](https://mail.finallysorted.com.au/blog/the-ghost-of-business-future-and-why-we-get-ebenezer-scrooge-wrong) --- ### Its beginning to look a bit like ... 'Bah, Humbug!' December has a specific weight to it, doesn’t it? As business owners, we reach this time of year often running on fumes. We have spent the last twelve months putting out fires, managing people, and chasing cash flow. - [ Christmas ](https://mail.finallysorted.com.au/all-tags/christmas) - [ 🤝 Small Business Risk & Partnership ](https://mail.finallysorted.com.au/insights/small-business-risk-partnership) [ Read more … ](https://mail.finallysorted.com.au/blog/the-ghost-of-business-future-and-why-we-get-ebenezer-scrooge-wrong) [ ![an older own sits alone by a window](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/intro-invisible-burdens-of-widowhood-that-most-men-overlook.webp) ](https://mail.finallysorted.com.au/blog/invisible-burdens-of-widowhood-that-most-men-overlook "Invisible Burdens of Widowhood That Most Men Overlook")## [ Invisible Burdens of Widowhood That Most Men Overlook ](https://mail.finallysorted.com.au/blog/invisible-burdens-of-widowhood-that-most-men-overlook) --- ### Beyond the Grief: The Financial Crisis You Don't Want to Leave Behind If you haven't got a plan, your final message to your partner isn't 'I love you' - it’s simply, 'Good luck. - [ life insurance benificiaries ](https://mail.finallysorted.com.au/all-tags/life-insurance-benificiaries) - [ modern estate planning ](https://mail.finallysorted.com.au/all-tags/modern-estate-planning) - [ Protective Wills ](https://mail.finallysorted.com.au/all-tags/protective-wills) - [ 🌳 Family, Legacy & Aging ](https://mail.finallysorted.com.au/insights/family-legacy-aging) [ Read more … ](https://mail.finallysorted.com.au/blog/invisible-burdens-of-widowhood-that-most-men-overlook) [ ![](https://mail.finallysorted.com.au/media/plg_jspeed/cache/images/intro-can-i-get-income-protection-with-anxiety-the-realities-of-underwriting-sapience-financial.webp) ](https://mail.finallysorted.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting "Can I Get Income Protection while living with Anxiety? The Realities of Underwriting")## [ Can I Get Income Protection while living with Anxiety? The Realities of Underwriting ](https://mail.finallysorted.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) --- ### Modern Life: A Marathon in a Minefield We are living in an era of ‘always-on’ pressure. Even our designated ‘wind down’ time has been hijacked; instead of resting, we find ourselves doomscrolling through clickbait and getting hooked by a 24-hour news cycle that seems designed to keep us in a state of perpetual outrage. - [ life insurance ](https://mail.finallysorted.com.au/life-insurance/life-terminal-illness-insurance) - [ income protection ](https://mail.finallysorted.com.au/all-tags/income-protection) - [ total & permanent disability (TPD) ](https://mail.finallysorted.com.au/all-tags/total-permanent-disability-tpd) - [ anxiety ](https://mail.finallysorted.com.au/all-tags/anxiety) - [ 🛡️ Specialist Risk & Insurance ](https://mail.finallysorted.com.au/insights/specialist-risk-insurance) [ Read more … ](https://mail.finallysorted.com.au/blog/can-i-get-income-protection-with-living-with-anxiety-the-realities-of-underwriting) 1. [ The Grudge Diagnostic](https://mail.finallysorted.com.au/blog/the-grudge-diagnostic) 2. [ The Robot That Takes Your Money (And Why You Should Let It)](https://mail.finallysorted.com.au/blog/the-robot-that-takes-your-money-and-why-you-should-let-it) 3. [ Love Isn't Enough: Why the Law Treats Your Step-Children as Strangers](https://mail.finallysorted.com.au/blog/love-isnt-enough-why-the-law-treats-your-step-children-as-strangers) 4. [ What is Atestate?](https://mail.finallysorted.com.au/blog/what-is-atestate) 5. [ Learning How to Stay Rich](https://mail.finallysorted.com.au/blog/learning-how-to-stay-rich) 6. [ The Unseen Retirement Crisis: Why Your Home is More Than Just a Roof Over Your Head](https://mail.finallysorted.com.au/blog/the-unseen-retirement-crisis-why-your-home-is-more-than-just-a-roof-over-your-head) 7. [ The $19,800 Fine SMSF Trustees Must Avoid](https://mail.finallysorted.com.au/blog/the-19800-dollar-fine-smsf-trustees-must-avoid) ### [ Modern Small Business Leadership](https://mail.finallysorted.com.au/blog/modern-small-business) Page 4 of 50